Receivables Financing
Bring forward cash from completed credit sales and strengthen working capital, subject to review of receivables, debtors and the transaction.
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Structured capital with governance and technology
Structured capital for companies that need to grow with confidence.
Vertha connects credit analysis, governance and technology to structure financial solutions according to each operation's profile.
Operations subject to credit analysis and registration, documentary and legal validation.
Method
Technical diagnosis before a proposal. No operation is standard.
Governance
Committee, approval layers and a complete audit trail.
Technology
Credit engine and data organization supporting the human decision.
Solutions
Financial structures tailored to each operation.
Each solution is modeled according to the profile, receivable type and collateral structure — subject to Vertha's credit policy.
Structured Corporate Credit with Collateral
Structures for working capital, investment and expansion, with assessment of cash flow, repayment capacity and applicable collateral.
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Receivables Securitization
Does your company have recurring receivables? Explore a structure supported by the cash flow and quality of those assets.
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Structured Credit Transactions
Diagnosis and design of credit transactions aligned with each company's needs, cash flows, collateral and feasibility.
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Institutional governance
Approval layers, credit committee and audit trail in every operation.
Proprietary technology
A digital pipeline with KYC/KYB, credit engine and data organization.
Specialized human analysis
A technical team that reads context beyond the model — a grounded decision.
Compliance as a foundation
Registration, documentary and legal validation across every structuring.
How it worksFrom the first conversation to execution
From the first conversation to execution
with governance at every step.
A structured process, with validation at each step before any operation is released.
01
Diagnosis
Understanding the company, the receivables and the goal of the operation.
02
Analysis
Registration, documentary, legal and credit validation (KYC/KYB), submitted to the committee.
03
Structuring
Design of the solution — advance, secured credit or securitization — according to the assessed profile.
04
Execution
Formalization and liquidity, with ongoing monitoring and governance.
GovernanceCompliance and governance as a
Compliance and governance as a
foundation not as a layer.
Registration, documentary and legal validation across every structuring. Approval layers with a committee and a complete audit trail.
KYC / KYB
Identity verification and corporate composition.
Documentary analysis
Registration, contracts, collateral and backing.
Legal
Assessment of instruments, risks and formalization.
Credit committee
Collegiate approval per operation.
Operations are subject to credit analysis, eligibility, documentation and the registration, documentary and legal validations applicable to each structuring.
FAQ
Frequently asked questions
Is Vertha a bank?
No. Vertha is a structured-credit company formed by experienced professionals in the sector. We structure liquidity solutions according to each operation's profile, upon registration, documentary, legal and credit analysis.
Is approval guaranteed?
There is no guaranteed approval. Every request undergoes credit analysis and registration, documentary and legal validation before any structuring.
What documents are required?
Company registration data (including CNPJ), information about the receivables and supporting documentation, processed in accordance with the LGPD.
Do you work with FIDC?
Vertha is in the process of structuring an FIDC; it is not yet an available offering. Its availability will depend on its effective formation, portfolio maturity, qualified service providers, governance and applicable rules. This content is not an investment offering.
How does receivables advance work?
From NF-e, trade notes and contracts, we analyze the portfolio and the operation to structure the advance, always subject to credit analysis and the current credit policy.
How does credit intelligence work?
Technology organizes data and supports the committee with a decision engine and AI. The credit decision, however, is always human and subject to governance.